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Cost of moving: Bad weather insurance

For those who like inclement weather, these moving destinations might be to your liking.

For those who like inclement weather, these moving destinations might be to your liking.

When choosing a new location, many people factor in local weather conditions. While the classic image many aspiring homeowners have in their heads is of a little house with a white picket fence, blue sky, big white clouds, sun shining down, some people are willing to risk a bit of inclement weather now and again.

If hurricanes are your storm of choice, there's no better place than Florida. The top four hurricane hotspots, according to real estate guru Bert Sperling, are all in the Sunshine State. Southeast Florida, comprising Miami, Fort Lauderdale and West Palm Beach, gets it worst of all. Sperling estimates a level three hurricane - one that has sustained winds of more than 111 miles per hour - will hit the area at least once per decade, not to mention other lesser hurricanes that might make landfall in the meantime.

Tampa, Florida, meanwhile, is long overdue for a big hurricane, according to The Weather Channel. The last major hurricane to hit the western coast of Florida pummeled Tampa in 1925, though there were some close calls during the 2004-2005 season. With possible storm surges as high as 20 feet, the city could be a good place to catch the next big storm.

When packing up and moving to these areas, be sure to factor in the cost of hurricane insurance. Policies vary widely, costing as little as $300 for a small, low-risk home, or $20,000 for an expensive home in a high-risk area, according to the National Association of Realtors. Hurricane deductibles may also apply, and typically range between 1 and 5 percent of the insured value of the house.

If tornadoes are more your style, don't pick your new home based on "The Wizard of Oz." Although Kansas does rank high on many lists of the most tornado-prone places in the country, it's actually the Midwest that gets the most touchdowns per year, according to The Weather Channel, and Indiana is perhaps the most tornado-ridden area of the country. The state has had dozens of tornadoes over the last five decades, one of which cut short the Indy 500.
Oklahoma City, meanwhile, gets more than its fair share of twisters. On one day in 1999, 66 tornadoes ravaged Oklahoma and neighboring Kansas, including one F5 - the most powerful tornado classification there is - that touched down near Oklahoma City, according to the Weather Channel. Fortunately, those who move to Oklahoma don't have to worry about adjusting their moving budget to accommodate tornado insurance. Damage from these storms is typically covered by most home insurance policies.